Mortgage lending in Nevada County
2,456 mortgages were originated in Nevada County, California, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,456
- Median rate
- 6.625%
- Median lender fees
- $5,441
- Median loan amount
- $375,000
- Median spread over APOR
- 0.289
- Paid discount points
- 31.7%
- Received lender credits
- 26.5%
- Purchases / refinances
- 48.7% / 31.8%
- Conventional / FHA / VA
- 87.5% / 7.8% / 4.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 71.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $649,750
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Nevada County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 333 | $6,163 | 6.624% |
| THE LOAN STORE, INC. | 166 | $5,205 | 6.490% |
| Rocket Mortgage, LLC | 156 | $4,591 | 6.688% |
| Tri Counties Bank | 65 | — | 5.990% |
| Bank of America, National Association | 60 | — | 5.995% |
| GUILD MORTGAGE COMPANY | 58 | $5,587 | 6.625% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 56 | — | 6.875% |
| CROSSCOUNTRY MORTGAGE, INC. | 55 | — | 6.990% |
| ALAMEDA MORTGAGE CORPORATION | 52 | — | 6.625% |
| MOVEMENT MORTGAGE, LLC | 51 | — | — |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Nevada County — not a rule of thumb.
From 1,745 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers